Best Net Worth Tracking Tools to See Your Progress

If you want to take control of your finances, tracking your net worth is one of the most powerful steps you can take. Your net worth is the big-picture snapshot of your financial health—it’s the total value of everything you own minus everything you owe. Unlike simply budgeting your monthly expenses, monitoring your net worth helps you see how all your financial decisions add up over time.

Whether you’re saving for a home, paying off debt, or working toward early retirement, tracking your net worth keeps you accountable and motivated. And thanks to modern technology, you no longer have to manually update a spreadsheet every month (unless you enjoy that sort of thing). Today, there are powerful apps and tools that automatically track your accounts, calculate your net worth, and even offer insights to help you grow it.

In this guide, we’ll explore the best net worth tracking tools available in 2025, compare their features, and help you choose the one that fits your financial style and goals.

Why Net Worth Tracking Is Essential for Financial Growth

Most people focus on budgeting and tracking spending, but they never look at the bigger picture. Net worth tracking is essential because it:

• Shows your financial progress over time — You can see if you’re moving in the right direction.

• Keeps you motivated — Watching your net worth grow (even slowly) is incredibly motivating.

• Identifies problem areas — You’ll quickly spot if debt or overspending is pulling your net worth down.

• Helps with long-term planning — You’ll know when you’re ready for big financial moves like buying a home, retiring early, or investing more aggressively.

By using the right tools, you can automate much of this process so you always have an up-to-date picture of your finances without doing all the math yourself.

Personal Capital (Now Empower)

Best for: Comprehensive wealth tracking and investment insights

Personal Capital, recently rebranded as Empower, is one of the most popular net worth tracking tools because it offers both a detailed view of your finances and advanced investment analysis tools.

Key Features:

• Links to all your bank accounts, credit cards, loans, and investment accounts for real-time tracking.

• Displays your net worth with a clear breakdown of assets and liabilities.

• Offers a retirement planning calculator to project your future finances.

• Analyzes your investment portfolio for diversification and fees.

Pros:

• Free to use for core tracking features.

• Excellent for serious investors and retirement planners.

• Strong data security and encryption.

Cons:

• Interface can be overwhelming if you’re only looking for a simple tracker.

• Some users dislike the sales outreach from Empower advisors.

If you want an all-in-one net worth tracker and investment analysis platform, this is one of the best choices available.

Mint

Best for: Beginners who want an all-in-one budgeting and net worth tool

Mint is one of the most well-known personal finance apps, offering easy budgeting, bill tracking, and net worth calculation.

Key Features:

• Links all your accounts for automatic updates.

• Tracks spending by category alongside your net worth.

• Provides credit score monitoring.

• Offers budgeting tools to help improve your savings rate.

Pros:

• Completely free to use.

• Easy to navigate for beginners.

• Offers both budgeting and net worth tracking in one app.

Cons:

• Ads and partner offers can be distracting.

• Fewer investment tracking features compared to Empower.

If you want a free, beginner-friendly way to track your net worth while also managing your monthly budget, Mint is a solid choice.

YNAB (You Need a Budget)

Best for: Hands-on budgeters who also want to monitor net worth growth

YNAB is primarily a budgeting tool, but its ability to track net worth over time makes it a favorite among people who want to be deeply involved in managing their money.

Key Features:

• Manual account entry or bank syncing.

• Detailed budgeting system that encourages intentional spending.

• Net worth chart to track long-term progress.

• Goal-setting tools for savings and debt payoff.

Pros:

• Great for people who want control over every dollar.

• Clear visualization of net worth trends.

• Encourages better money habits.

Cons:

• Costs around $99/year after free trial.

• Requires more effort than fully automated tools.

YNAB is perfect for people who believe that tracking net worth is only valuable if you’re actively managing the money behind it.

Kubera

Best for: Advanced users with complex financial portfolios

Kubera is a premium net worth tracker that’s ideal for people with multiple asset classes—such as real estate, international investments, and cryptocurrency.

Key Features:

• Connects to banks, brokerages, and crypto wallets.

• Allows manual entry for physical assets like property, vehicles, and collectibles.

• Supports multiple currencies.

• Provides detailed reports and performance tracking.

Pros:

• Highly customizable.

• Great for global investors.

• Secure data handling.

Cons:

• Costs around $15/month.

• More complex than some users need.

If your financial life goes beyond basic savings and checking accounts, Kubera gives you the flexibility to track every type of asset in one place.

Google Sheets or Excel (DIY Tracking)

Best for: People who want full control and customization

If you prefer a manual approach or don’t want to link your financial accounts to a third-party app, creating your own net worth tracker in Google Sheets or Excel is a great option.

Key Features:

• Full customization of layout and categories.

• Ability to track unusual assets like collectibles or personal loans.

• No data sharing with outside companies.

Pros:

• Free (except for your time).

• 100% control over your data.

• Works offline if needed.

Cons:

• Requires manual updates.

• No automation or real-time syncing.

DIY spreadsheets are great for people who want a hands-on, privacy-focused way to track their net worth without relying on an app’s design or features.

How to Choose the Best Net Worth Tracking Tool for You

Choosing the right net worth tracker depends on your comfort level with automation, your budget, and how much detail you want.

• If you want automation and investment insights: Empower (Personal Capital) is the best choice.

• If you want free and beginner-friendly: Mint is perfect.

• If you love budgeting and goal setting: YNAB will keep you on track.

• If you have complex assets: Kubera offers unmatched flexibility.

• If you value control and privacy: A spreadsheet is your best bet.

Tips for Getting the Most Out of Your Net Worth Tracker

• Update regularly, ideally monthly, so you can see consistent trends.

• Include all assets and liabilities for accuracy (don’t forget student loans or credit card debt).

• Track both short-term and long-term changes.

• Use insights from your net worth data to adjust your spending, saving, and investing habits.

Final Thoughts: Your Net Worth Is Your Financial Scorecard

Tracking your net worth is more than just a number—it’s a financial report card that shows whether you’re moving toward your goals or drifting away from them. By choosing the right tool, you can make this process seamless, accurate, and motivating.

Whether you prefer a high-tech automated app, a professional-level tracker, or a simple spreadsheet, the most important thing is to start now and stay consistent. Over time, watching your net worth grow will reinforce good money habits and help you make smarter financial decisions.